Credit Counselors

Does not pass

• Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.

  reason given most often: no existing check settles it · 6.4% of the role's time · $93.9M

• Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.

  reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 6.3% of the role's time · $92.8M

• Interview clients by telephone or in person to gather financial information.

  reason given most often: no existing check settles it · 6.3% of the role's time · $92.6M · waiting on a check

• Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.

  reason given most often: no existing check settles it · 6.2% of the role's time · $91.3M · waiting on a check

• Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans.

  reason given most often: nobody can tell quickly whether it worked, and no existing check settles it, and a failure is too expensive · 5.9% of the role's time · $86.5M

• Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.

  reason given most often: no existing check settles it · 5.6% of the role's time · $82.0M · passed by Claude Sonnet · the models disagreed

• Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first.

  reason given most often: nobody can tell quickly whether it worked, and no existing check settles it, and a failure is too expensive · 5.5% of the role's time · $81.6M

• Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.

  reason given most often: no existing check settles it · 5.5% of the role's time · $80.8M · waiting on a check

• Prepare written documents to establish contracts with or communicate financial recommendations to clients.

  reason given most often: no existing check settles it · 5.2% of the role's time · $77.0M · waiting on a check

• Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.

  reason given most often: no existing check settles it · 4.7% of the role's time · $69.8M · waiting on a check

• Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.

  reason given most often: nobody can tell quickly whether it worked, and no existing check settles it, and a failure is too expensive · 4.0% of the role's time · $58.9M

• Refer clients to social service or community resources for needs beyond those of credit or debt counseling.

  reason given most often: no existing check settles it · 3.8% of the role's time · $55.4M

• Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.

  reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 3.6% of the role's time · $53.2M

• Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.

  reason given most often: nobody can tell quickly whether it worked, and no existing check settles it · 3.6% of the role's time · $52.6M

• Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.

  reason given most often: no existing check settles it · 3.0% of the role's time · $44.5M

• Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.

  reason given most often: no existing check settles it · 2.4% of the role's time · $36.0M · passed by Claude Sonnet · the models disagreed · waiting on a check

• Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.

  reason given most often: nobody can tell quickly whether it worked, and no existing check settles it, and a failure is too expensive · 1.5% of the role's time · $22.4M

• Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.

  reason given most often: no existing check settles it · 1.1% of the role's time · $16.4M

• Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.

  reason given most often: nobody can tell quickly whether it worked · 0.9% of the role's time · $13.9M